Harmony Quartz

Retirement clarity for your tomorrow

Services designed around actual retirement challenges

Choose what you need right now. Add more as your situation evolves.

Retirement Readiness Review

$847.00

A comprehensive snapshot of where you stand today. We analyze your superannuation balance, investment allocation, insurance coverage, debt obligations, and projected age pension eligibility. You'll receive a detailed written report identifying strengths, gaps, and priority actions.

What's included:

  • Complete super account review across all funds
  • Fee and performance analysis
  • Current vs recommended investment allocation
  • Insurance adequacy assessment
  • Age pension eligibility projection
  • 90-minute consultation to review findings
  • Written report with prioritized recommendations

Best for: People approaching retirement who need clarity on their current position

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Superannuation Consolidation & Strategy

$1,285.00

Most Australians have multiple super accounts draining value through duplicate fees and insurance premiums. We consolidate your accounts strategically, ensuring you don't lose valuable insurance or government co-contributions. Then we optimize your investment strategy based on your retirement timeline and risk tolerance.

What's included:

  • Full account consolidation analysis and execution
  • Insurance cover comparison before consolidation
  • Investment strategy redesign
  • Contribution strategy optimization
  • Salary sacrifice recommendations
  • Quarterly performance reviews for 12 months
  • Ongoing email and phone support

Best for: Working professionals aged 45-60 with multiple super accounts

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Age Pension Maximization Plan

$1,140.00

The age pension means test is deliberately complex. We model different asset and income scenarios to maximize your entitlement legally. This includes gifting strategies, asset restructuring, and income stream choices that work within Centrelink rules.

What's included:

  • Complete means test assessment
  • Asset and income modeling across multiple scenarios
  • Gifting strategy recommendations
  • Home ownership vs downsizing analysis
  • Income stream structure optimization
  • Centrelink application support
  • Annual review as rules change

Best for: People within 5 years of age pension age (67) wanting to maximize entitlements

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Transition to Retirement Strategy

$1,565.00

For those aged 55-64 still working, transition to retirement pensions offer significant tax advantages. We design a strategy that lets you access your super while still employed, reducing tax and building retirement savings faster through salary sacrifice.

What's included:

  • TTR pension structure setup guidance
  • Salary sacrifice optimization
  • Tax impact modeling
  • Drawdown strategy to minimize tax
  • Contribution cap management
  • Work-retirement balance planning
  • 6-month implementation support

Best for: People aged 55-64 still working who want tax-effective retirement preparation

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Estate Planning Integration

$2,180.00

Your retirement plan should align with your estate wishes. We coordinate with your solicitor to ensure binding death benefit nominations, reversionary pension elections, and wealth transfer strategies all work together efficiently.

What's included:

  • Death benefit nomination review and setup
  • Coordination with existing will and power of attorney
  • Tax-effective wealth transfer strategies
  • Testamentary trust considerations
  • Superannuation vs estate asset analysis
  • Family succession planning
  • Solicitor liaison (we work with yours or recommend one)

Best for: People with significant super balances concerned about efficient wealth transfer

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Full Retirement Blueprint

$4,750.00

Comprehensive planning covering every aspect of your retirement. We build a complete strategy encompassing cash flow, tax, investments, age pension, estate planning, and ongoing management. Includes two years of unlimited consultation and annual reviews.

What's included:

  • Everything from all other services combined
  • Detailed 30-year cash flow modeling
  • Complete tax minimization strategy
  • Investment portfolio design and monitoring
  • Age pension and Centrelink optimization
  • Estate planning coordination
  • Annual formal reviews for 2 years
  • Unlimited email and phone consultation
  • Priority scheduling for urgent matters
  • Market update briefings

Best for: People wanting complete peace of mind with ongoing expert support

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What you should know about our pricing

All prices include GST. We charge for advice and strategy, not for managing your money. You maintain control of your accounts.

We don't earn commissions from recommending specific super funds, investment products, or insurance policies. Our only income is the fee you pay us directly.

Payment is due before work begins. We accept bank transfer and credit card. If your circumstances change significantly during our engagement, we'll adjust our approach at no additional cost.

If you're not satisfied with the quality of our work within 30 days, we'll refund your fee in full. No questions, no complicated process.

Choose the service that fits your current needs. We'll schedule your initial consultation within 48 hours.

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